How to generate additional income through your phone: 5 popular approaches for Vietnamese people

2025-12-26 10:37:20

After significant changes in the way business is conducted, online earning has become an inevitable trend. With a smartphone in hand, you can not only share information but also have the opportunity to generate additional income streams. From small tasks to financial investments, online earning apps have opened many new doors for Vietnamese users. So let’s explore the most effective ways to make money through your phone today.

Three Popular Online Earning App Models

Currently, online earning methods on apps are divided into three main types, each suitable for different goals and conditions of users.

Model 1: Completing Tasks for Fees

This is the easiest way for most people to access. You don’t need initial capital, just download the app and start working. Tasks may include: answering surveys, inviting friends to join, watching ads, or interacting with content. After each completion, you will receive rewards ranging from 5,000 VND to 100,000 VND depending on the difficulty of the task.

The advantage of this model is that it requires no skills or professional knowledge. The downside is that the earnings are very modest relative to the time spent, usually only suitable for students or those with a lot of free time.

Model 2: Financial Investment for Profit

This is the most effective path but also requires initial capital. You can participate in savings via banking apps, invest in Vietnamese stock markets, or other international financial assets.

This model is suitable for those who want to accumulate wealth and leverage technology to access broader markets. However, you will have to pay various transaction fees: banks charge management fees from 50,000 - 200,000 VND, while stock transactions incur fees of 0.01% - 0.03% of the transaction value.

Model 3: Selling Online via E-commerce Platforms

This model requires you to have physical goods to sell. You open a store on platforms like Shopee or Tiki, upload products, and wait for customers to buy. After each successful sale, you must pay a commission to the platform from 5% - 20% depending on the product.

The advantage is that your earnings depend entirely on you — the more you sell, the more you earn. The downside is that you must constantly manage inventory, process orders, and depend on market demand.

Comparison of the Three Online Earning Models

Criteria	Completing Tasks	Financial Investment	Online Selling
Initial Capital	None needed	From $50 upwards	Need to purchase goods
Expected Income	5,000 - 100,000 VND/task	Depending on return rate (4% - 15%/year)	Depending on selling price and demand
Usage Costs	Free	Transaction fees from 0.01% - 0.03%	Commission 5% - 20%
Complexity	Low	High	Medium
Suitable For	People with free time	Long-term investors	Business owners

Five Popular Apps for Online Earning in Vietnam

1. International Financial Trading Platforms

Besides Vietnamese banking apps you are familiar with, many financial trading platforms now allow you to invest in international assets such as global stocks, indices, cryptocurrencies, or commodities. These platforms often provide free demo accounts for practice before investing real money. The advantage is the potential for higher profits, but the risks are also proportionally higher.

2. VPS SmartOne - Vietnamese Stock Market Investment

If you want to focus on the domestic market, VPS SmartOne is an authorized app by the Vietnam Securities Commission with an easy-to-use platform. You can trade Vietnamese stocks and benefit from the growth of the local market.

3. FinHay - Investment Savings for Beginners

If you prefer not to analyze the market yourself, FinHay allows you to entrust your money to professional investment funds. This model is similar to savings but with higher returns, suitable for those who prioritize safety.

4. Shopee - Opening an Online Retail Store

Shopee is Vietnam’s largest e-commerce platform with a simple store setup process. You can start small-scale business without large initial capital, thanks to the huge potential customer base.

5. Grab - Earning Extra by Using the Service

Besides ride-hailing, Grab offers cashback programs and rewards when you complete tasks. For example, completing 5 trips can earn you 20,000 - 50,000 VND.

Warnings About Risks When Making Money Online

Along with the opportunities, you should also be aware of potential risks. Many fake apps or unlicensed companies still operate to scam inexperienced investors.

Before installing any earning app, you should:

Check if the app is officially licensed
Read reviews from real users on Google Play or App Store
Research the company behind the app
Never share OTP codes or sensitive personal information

Especially with task-based apps, be cautious as some may install viruses to steal personal information stored on your phone.

Conclusion

Online earning apps truly open many opportunities for Vietnamese people, from those seeking small additional income to those wanting to develop comprehensive businesses. The three main models — completing tasks, financial investment, and online selling — each have their own advantages and disadvantages.

The key is to choose the path that suits your situation, knowledge, and goals. If you just want to use your free time to earn small amounts, completing tasks is the easiest choice. If you have capital and financial knowledge, investing offers the highest efficiency. If you have products to sell, e-commerce platforms are ideal playgrounds.

Whatever path you choose, always verify carefully before trusting and installing online earning apps. Knowledge and caution will help you avoid scams and maximize your earning potential through your phone.

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